Handyman Insurance from Massachusetts Specialists

What is Handyman Insurance?

Being a handyman or handywoman can be a profitable and rewarding line of work, but the path comes with some risks. People in this line of work must consider both property- and liability-related perils that they face. Handyman insurance helps shield Massachusetts professions who offer basic maintenance and repair from many of the perils that they’re exposed to.

Handyman insurance is a specialized type of commercial insurance. It’s been uniquely tailored to meet the needs of professionals who offer basic maintenance and repair services. In order to give these professionals the multifaceted protection that they need, most handyman policies come as package policies and have several coverages within them.

What Massachusetts Professionals Need a Handyman Policy?

Broadly speaking, most Massachusetts professionals who offer basic maintenance and repair services should have a handyman policy in place. Professionals can be dangerously exposed to sizeable risks if they don’t have insurance, and this typically is the most appropriate type of insurance for these workers.

Professionals who offer more specialized maintenance and repair services might have some coverage needs in common with handyman, but specialized professionals are generally advised to get a policy that’s more specifically tailored to their particular trade. Electricians usually should have electrician insurance rather than a handyman policy, for example, and roofers probably ought to get roofing insurance. These other policies have some slightly different protections that are more appropriate in certain situations.

Anyone who’s unclear whether a handyman or other type of insurance policy is right for them can seek advice from an insurance agent who specializes in this kind of insurance. A specialized commercial agent will be able to provide informed guidance as to what type of insurance policy makes the most sense given a professional’s particular line of work.

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Are Professionals Insured Through Their Employer?

Handymen and handywomen who work as employees and receive a W-2 document come tax time may be protected through their employer’s insurance policy. An agent can help these professionals review any insurance coverage their employer has for employees and determine whether an additional policy is needed.

Professionals who work for companies as independent contractors often aren’t automatically protected by another company’s insurance policy. In select circumstances, a contractor might be listed as an additional insured party, but this is not a standard practice. More often, independent contractors have to procure their own self-employed handyman insurance policy.

What Protections Are Available Through Self-Employed Handyman Insurance?

Professionals who purchase their own self-employed handyman insurance typically benefit from multiple protections. Some of the coverages that a policy might make available are:

• General Liability Coverage, which may cover slip-and-fall accidents and defamation claims
• Commercial Umbrella Coverage, which may offer supplemental protection for expensive lawsuits
• Business Property Coverage, which may cover business-owned facilities, equipment and supplies
• Commercial Vehicle Coverage, which may cover company-owned trucks, vans and cars
• Crime or Theft Coverage, which may cover equipment, supplies and vehicles in the event of theft
• Inland Marine Coverage, which may cover equipment during transit to and from job sites
• Business Interruption Coverage, which may cover prolonged revenue losses caused by certain disasters

The exact protections that a policy offers can differ.